class Loan:
    def __init__(self,annualInterestRate = 2.5,numberOfYears = 1,loanAmount=1000,borrower = " "):
        self.__annualInterestRate = annualInterestRate
        self.__numberOfYears = numberOfYears
        self.__loanAmount = loanAmount
        self.__borrower = borrower

    def getAnnualInterestRate(self):
        return self.__annualInterestRate

    def getNumberOfYears(self):
        return self.__numberOfYears

    def getLoanAmount(self):
        return self.__loanAmount

    def getBorrower(self):
        return self.__borrower

    def setAnnualInterstRate(self,annualInterestRate):
        self.__annualInterestRate = annualInterestRate


    def setNumberOfYears(self,numberOfYear):
        self.__numberOfYears = numberOfYear

    def setLoanAmount(self,locanAmount):
        self.__loanAmount = locanAmount

    def setBorrower(self,borrower):
        self.__borrower = borrower

    def getMonthlyPayment(self):
         monthInterrestRate = self.__annualInterestRate / 1200
         monthlyPayment = self.__loanAmount * monthInterrestRate / (1 - (1 / ( 1+ monthInterrestRate ) ** (self.__numberOfYears * 12)))
         return monthlyPayment

    def getTotalPayment(self):
        totalPayment = self.getMonthlyPayment()* self.__numberOfYears * 12
        return totalPayment


